BlastPoint's Credit Union Scorecard

SOUTH CENTRAL

Charter #62143 · MI

<100M

2508 CUs in <100M nationally 56 in MI

SOUTH CENTRAL has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.11% above tier average
+ Total Assets: Top 5.6% in tier
+ Total Deposits: Top 5.7% in tier
+ Total Members: Top 5.7% in tier
+ Total Loans: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 9.95% above tier (higher cost structure)
- Member decline: -4.2% YoY
- Indirect Auto Concentration (%): Bottom 1.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	6,814 -4.2% YoY+0.2% QoQ	+4.1K	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	Top 5.8% in tier
Assets	$84.9M -1.7% YoY+0.0% QoQ	+$54.7M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	Top 5.7% in tier
Loans	$39.9M +5.5% YoY-0.8% QoQ	+$24.6M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	Top 9.5% in tier
Deposits	$72.5M -2.3% YoY-0.4% QoQ	+$46.8M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	Top 5.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +45.6% YoY+20.6% QoQ	+0.1%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	33%
NIM	3.6% -3.0% YoY-4.4% QoQ	-0.4%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	100.6% +7.7% YoY+7.3% QoQ	+9.9%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Bottom 15.0% in tier
Delinquency Rate	0.6% -17.7% YoY+51.1% QoQ	-0.9	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	48%
Loan To Share	55.0% +7.9% YoY-0.4% QoQ	-3.5%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	45%
AMR	$16,505 +4.8% YoY-0.8% QoQ	+$2K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	63%
CD Concentration	3.9% -8.7% YoY-2.0% QoQ	-20.3%	24.3%	18.6%	19.8%	50%
Indirect Auto %	43.8% +20.4% YoY+2.6% QoQ	+30.0%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

142

Total Assets

balance_sheet

Value: $84.85M

Peer Median: $21.86M

#142 of 2508 Top 5.6% in <100M tier

145

Total Deposits

balance_sheet

Value: $72.54M

Peer Median: $18.77M

#145 of 2508 Top 5.7% in <100M tier

145

Total Members

engagement

Value: 6,814

Peer Median: 1,918

#145 of 2508 Top 5.7% in <100M tier

239

Total Loans

balance_sheet

Value: $39.92M

Peer Median: $9.48M

#239 of 2508 Top 9.5% in <100M tier

459

Fee Income Per Member

profitability

Value: $126.86

Peer Median: $60.42

#459 of 2508 Top 18.3% in <100M tier

482

Loan Growth Rate

growth

Value: 5.46%

Peer Median: -2.36%

#482 of 2508 Top 19.2% in <100M tier

Top Weaknesses (3 metrics)

2461

Indirect Auto Concentration (%)

balance_sheet

Value: 43.81%

Peer Median: 0.00%

#2461 of 2508 Bottom 1.9% in <100M tier

2132

Efficiency Ratio

profitability

Value: 100.58%

Peer Median: 81.45%

#2132 of 2508 Bottom 15.0% in <100M tier

1973

Member Growth Rate

growth

Value: -4.23%

Peer Median: -1.37%

#1973 of 2508 Bottom 21.4% in <100M tier